Commercial Portfolio Banker - Corporate Lending

Commercial Portfolio Banker - Corporate Lending Salary: $76,749/Annual+ DOE Start a career with First National Bank Alaska, the *Best Place to Work in Alaska* as recognized eight years in a row by Alaska Business magazine readers.
GENERAL PURPOSE SUMMARY Provides technical and relationship management support to one or more loan officers; liaises with customers; and assists with complex commercial loans with limited supervision by performing the following essential duties and responsibilities: ESSENTIAL DUTIES AND RESPONSIBILITIES Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1.
Assists one or more loan officers by composing and preparing correspondence and compiling complex loan underwriting and transaction information including multilevel borrowing entities such as corporations, LLC’s, Partnerships, and Native organizations.
2.
Acts as liaison between loan officer and borrower to obtain financial, borrower, and collateral information, and all other supporting documentation.
3.
Determines whether borrower documentation satisfies established bank procedures by reviewing appraisals, environmental and engineer reports, and as-built surveys.
Reports findings to loan officer and assists as needed with compilation of collateral evaluations and/or environmental reports.
4.
Confirms credit underwriting and relative priority of bank’s security interest.
Reviews and may approve Lines of Credit and Construction Loan disbursement requests.
5.
Reviews credit files, identifies exceptions to bank policy or procedure and prepares underwriting.
Reviews loan documents prior to closing with borrower.
Confirms loan documents conform to authorized terms of proposed transaction.
6.
Assists in analyzing existing and potential customers' banking needs, earnings and financial conditions to determine which bank products are most appropriate, and to assess acceptable risk; approves/denies or recommends approval/denial underwriting within authority.
7.
Performs monthly, quarterly and annual financial analysis of credit for loans in the portfolio (e.
g.
collects financial data, analyzes/normalizes financial statements and rent rolls, and identifies potential problem loans).
8.
Assists in managing existing loan portfolio, including the monitoring and collection of loan payments; modifies or extends loan terms or structure to protect bank's interest when required.
Minimizes bank losses and exposure to losses.
9.
Provides on-going credit monitoring of the loan portfolios.
10.
Performs other work-related duties as assigned by supervisor.
QUALIFICATION REQUIREMENTS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION and/or EXPERIENCE: Minimum: Bachelor's degree in business, accounting, finance or related field and three years professional level commercial, real estate, consumer lending related, or financial/credit analysis experience; or five years professional level commercial, real estate, consumer lending related, or financial/credit analysis experience; or equivalent combination of education/training and experience.
Preferred: At least three years progressively responsible experience in financial/loan analysis.
SKILLS AND ABILITIES: Ability to keyboard 35 wpm and operate a 10-key calculator by sight.
Windows based word processing and spreadsheet skills required.
Familiarity with tax returns and financial reports necessary.
Ability to handle frequent deadlines and time constraints required.
LANGUAGE SKILLS: Ability to read, analyze, and interpret common technical and business journals, financial reports, and legal documents.
Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community.
Ability to write speeches and articles for publication that conform to the prescribed style and format.
Ability to effectively present information to top management and the public.
MATHEMATICAL SKILLS: Ability to work basic mathematical concepts, such as probability and statistical inference.
Ability to apply concepts, such as fractions, percentages, ratios, and proportions to practical situations.
REASONING ABILITY: Ability to define problems, collect data, establish facts, draw valid conclusions, and make recommendations based on those conclusions.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several variables.
PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms.
The employee is frequently required to talk and hear.
The employee is occasionally required to stand, walk, stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds.
Specific vision ability required by this job includes close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
WORKING CONDITIONS The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
The noise level in the work environment is usually moderate.